Insurance for Utah Contractors

General liability, workers compensation, commercial auto, contractors equipment, umbrella, and surety bonds for Utah contractors. Coverage is built around your trade, your subcontractors, and the insurance requirements in your contracts.

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UTAH – CONTRACTORS

Insurance for Utah Contractors

A Utah contractor is rated on the work you actually perform: the trade, how much of it you subcontract, whether the jobs are residential or commercial, and what the owner or general contractor requires on the certificate. A standard business owner’s policy often stops at premises liability and a generic class code. It may not extend additional insured status, primary and noncontributory wording, a waiver of subrogation, or completed-operations coverage the way the contract is written.

Blackridge Risk Partners places commercial coverage for contractors whose operations or contract requirements need that structure. We are based in Herriman and work with owners across Utah.

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WHO WE SERVE

Contractors We Work With

We place coverage for contractors whose classification, subcontracting, or contract requirements make the account more than a standard small-business policy.

General Contractors

General contractors (B100)
Residential and small commercial contractors (R100)
Remodeling contractors (R101)
Home Builders
Commercial General Contractors

Environmental

Environmental remediation contractors
Asbestos abatement contractors
Lead abatement contractors
Mold remediation contractors
Hazardous waste contractors
Water and fire restoration contractors

Excavation

Excavation contractors (S310)
General engineering contractors (E100)
Grading contractors
Hydro excavation contractors
Foundation contractors
Demolition contractors
Underground utility contractors

Electrical, Plumbing, & HVAC

Electrical contractors (E200)
Residential electrical contractors (E201)
Plumbing contractors (P200)
Residential plumbing contractors (P201)
HVAC contractors (S350)
Solar contractors (S202)
Fire sprinkler contractors (S370)

Roofing, Concrete, & Carpentry

Roofing contractors (S280)
Concrete contractors (S260)
Paving contractors
Framing contractors
Carpentry contractors (S220)
Masonry contractors (S230)
Siding contractors
Stucco contractors

Other Trades

Underground storage tank contractors (S410)
Septic contractors
Pipeline contractors
Elevator contractors (S510)
Welding contractors

COVERAGE WE PLACE

Coverage for Utah Contractors

We place these lines as a coordinated program, not disconnected policies. Limits and carriers depend on resident census, staffing, locations, and whether clinical services are provided on-site.

General Liability

Premises, operations, and products/completed operations. Contracts often require $1,000,000 per occurrence and $2,000,000 aggregate, plus additional insured, primary and noncontributory, and waiver of subrogation. Confirm the form against the agreement, not against last year’s certificate.

Commercial Auto

Owned trucks and vans, plus hired and non-owned auto when employees drive their own vehicles to jobs. Tools left in a truck are often an inland marine issue, not an auto physical-damage issue.

Workers’ Compensation

Coverage for employees, including field crews. Class codes follow the trade. Owners may be included or excluded depending on entity type. Uninsured subcontractors can be picked up on your audit.

Contractors Equipment

Inland marine for tools, machinery, and scheduled equipment on the job, in the shop, and in transit. A contents limit at the shop address does not follow a compressor to the site.

Umbrella / Excess

Extra limits above general liability, auto, and often employers liability. Many commercial contracts ask for $2,000,000 to $5,000,000. The umbrella has to follow the additional-insured wording, not just the occurrence limit.

Builder’s Risk

Course-of-construction property for a specific job: materials, the structure in progress, and sometimes soft costs or delay. This is usually written per project. It is not a substitute for your liability policy.

Surety Bonds

License, bid, performance, and payment bonds. A bond is not general liability. If the surety pays a claim, the contractor repays the surety. DOPL asks for a license bond when a financial-responsibility review requires one. Owners and general contractors ask for bid, performance, and payment bonds in the contract. Send the bond form and the required amount with the submission.

WHAT WE REVIEW

What Your Coverage Depends On

The quote has to describe the work the way an insurance company prices it. Trade mix, subcontracted receipts, job type, contract wording, and bond requirements decide which companies will offer coverage and what the certificate can say.

Trade mix — the class code matches the work you do

Subcontractors — receipts, certificates, and whether subs carry their own coverage

Job type — residential or commercial, and new construction or remodel, stated separately

Height and roofing — the percentage of that work is on the application

Contract wording — additional insured, primary and noncontributory, waiver of subrogation, per-project aggregate

Vehicles and equipment — trucks on the auto policy, tools scheduled

History — years in business and loss runs

Surety — the bond form and the amount, separate from the liability policy

We compare insurance companies, match the coverage to the work, and build it around the contracts you sign. That includes specialty carriers when a standard company will not take the trade or the endorsement, and a surety bond when the license review or the project requires one.

TO GET A QUOTE

What We Need to Quote a Contractor

These items are enough to start. An insurance company may ask for more after it reviews them, especially if the work mix or the contract wording is unusual.

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Current policy documents, or the certificate plus declarations pages

Loss runs, typically 3–5 years, for general liability, workers compensation, and auto

Last 12 months’ gross receipts and a projection for the next 12, split by trade if you do more than one

Percentage of work that is residential versus commercial, and new construction versus remodel or service

Percentage of work subcontracted, and whether you collect certificates from subs

Payroll and employee count by trade, and whether owners are included or excluded

Any roofing, height, excavation, or similar work, with the percentage of receipts

A sample contract or the last certificate request (additional insured, waiver, umbrella limit)

Vehicle list and a schedule of owned equipment and tools

Years in business and Utah license classification

Bond form and required amount, if you need a license, bid, performance, or payment bond

FREQUENTLY ASKED QUESTIONS

Common Questions About Insurance for Contractors in Utah

Do you insure electricians, roofers, plumbers, and other specific trades?

Yes. We insure electrical, plumbing, roofing, HVAC, carpentry, concrete, and the other trades licensed in Utah.

Do you insure excavation and environmental contractors?

Yes. We insure excavation, grading, hydro excavation, environmental remediation, asbestos abatement, lead abatement, tank removal, and demolition.

Is a business owner’s policy enough for a contractor?

Sometimes, for a small service contractor with no employees, little subcontracted work, and no requirement to name another party on the certificate. It stops fitting once you hire subcontractors, build new homes, do roofing or work at height, or have to name the owner and general contractor. Those jobs need a contractor’s general liability policy.

Do you offer contractor bonds?

Yes. License bonds when the state requires one, and bid, performance, and payment bonds when a project requires them. A bond is not an insurance policy. If the bond pays a claim, you repay the bonding company.

What insurance does a Utah contractor need?

Most contractors need general liability that includes finished work, workers compensation if they have employees, and commercial auto if they have vehicles or employees driving to jobs. Contracts often also require an umbrella and additional-insured wording. Tools and equipment need their own coverage. Builder’s risk is written for each job. A license bond is separate, when DOPL requires one, as are bid, performance, and payment bonds when a project requires them.

Why did my general liability premium jump, or why was I nonrenewed?

The work on the policy no longer matches the work you are doing. That usually means more subcontracting, more new-home construction, roofing or height work the company will not cover, subcontractors with no insurance of their own, or a claim that was left off the last application.

I subcontract most of the work. Does that still need to be insured?

Yes. The job is still yours. If a subcontractor has no general liability or workers compensation, you can be pulled into the claim, and the premium can be adjusted at audit.

Can you match additional insured and waiver language?

Yes. When the contract requires it, the policy can name the owner or general contractor, include primary and noncontributory wording, and include a waiver of subrogation for ongoing work and for finished work.

Do I need workers compensation if I have no employees?

No, if you have no employees and you do not use subcontractors. You need it as soon as you hire. Subcontractors who do not carry their own workers compensation can also be charged to your policy. Owners can be included or left off, depending on how the company is set up.

Are my tools covered on the general liability or auto policy?

No. General liability covers injury and damage you cause to other people. Auto covers the truck. Tools and machinery need contractors equipment coverage.

What areas of Utah do you serve?

We are based in Herriman but work with contractors all across the state.

Let’s Talk About Your Coverage

Whether you need a second look at renewals or coverage for a complex operation, we’re ready to help. Reach out and we’ll get back to you within one business day.